How to enable SEPA Direct Debit in Stripe

1// server.js
2const express = require('express');
3const Stripe = require('stripe');
4const stripe = Stripe(process.env.STRIPE_SECRET_KEY);
5const app = express();
6app.use(express.json());
7
8app.post('/api/create-sepa-intent', async (req, res) => {
9  try {
10    const intent = await stripe.paymentIntents.create({
11      amount: req.body.amount,  // in cents
12      currency: 'eur',
13      payment_method_types: ['sepa_debit'],
14      mandate_data: {
15        customer_acceptance: {
16          type: 'online',
17          online: {
18            ip_address: req.ip,
19            user_agent: req.headers['user-agent']
20          }
21        }
22      }
23    });
24    res.json({ client_secret: intent.client_secret });
25  } catch (err) {
26    res.status(400).json({ error: err.message });
27  }
28});
29
30app.listen(3001);

1const stripe = Stripe('pk_test_your_publishable_key');
2const elements = stripe.elements();
3const ibanElement = elements.create('iban', {
4  supportedCountries: ['SEPA'],
5  placeholderCountry: 'DE'
6});
7ibanElement.mount('#iban-element');
8
9// Display mandate text to the customer
10const mandateText = document.getElementById('mandate-text');
11mandateText.textContent = 'By providing your IBAN and confirming this payment, you authorize (your company) and Stripe, our payment service provider, to send instructions to your bank to debit your account in accordance with those instructions.';

1const form = document.getElementById('sepa-form');
2form.addEventListener('submit', async (e) => {
3  e.preventDefault();
4
5  const res = await fetch('/api/create-sepa-intent', {
6    method: 'POST',
7    headers: { 'Content-Type': 'application/json' },
8    body: JSON.stringify({ amount: 1000 })
9  });
10  const { client_secret } = await res.json();
11
12  const { error, paymentIntent } = await stripe.confirmSepaDebitPayment(
13    client_secret,
14    {
15      payment_method: {
16        sepa_debit: { iban: ibanElement },
17        billing_details: {
18          name: document.getElementById('name').value,
19          email: document.getElementById('email').value
20        }
21      }
22    }
23  );
24
25  if (error) {
26    console.error(error.message);
27  } else {
28    // paymentIntent.status will be 'processing'
29    console.log('Payment submitted:', paymentIntent.id);
30  }
31});

1// In your webhook handler:
2switch (event.type) {
3  case 'payment_intent.processing':
4    // Payment submitted to bank
5    break;
6  case 'payment_intent.succeeded':
7    // Funds received — fulfill the order
8    break;
9  case 'payment_intent.payment_failed':
10    // Debit failed — notify the customer
11    break;
12  case 'charge.dispute.created':
13    // SEPA chargeback — respond within deadline
14    break;
15}